Good morning @delishtreats. I am way behind in my Steem "engagement," so taking a break from my responsibilities to catch up a bit ...
Your struggles with this property owner are discouraging I would imagine, but it sounds like you approach it with a good attitude. If you do not feel comfortable with the negotiations now, you are wise to "walk away" rather than make a decision you will live to regret.
Fascinating you have to have 20% of the price to get a mortgage! That sounds like enforcement of "sound money" principles are very important in your country. I wish I could say the same about America, but I cannot. All I can do is practice them myself (I owe no man anything ...) and watch in frustration (to put it mildly) while our country engages in the devaluation of its currency, along with much of the rest of the world.
This debasement of our currencies will not end well, I predict. I would love to be proven wrong, but I fear the worse. If so, perhaps a "sound money haven" like the country of Switzerland will be spared the worst of it (think Venezuela ...).
Looking forward to "future installments" on your efforts to achieve your dream and get your restaurant up and running!